Utah Features

Program Features

Credit Scoring – YES - We do run an Insurance Risk Score (commonly called Credit Score) on every named insured. This has no impact on a consumer's credit score, and will not appear on their credit report used by lenders

Pricing – VERY aggressive rates! Low down, Low monthly!

Limits – State minimums 25/65/15 and 25/65/25

Acceptable Drivers – Drivers age 16+, and 65 or younger are acceptable

Artisan / Business Usage – Yes! (Surcharge applies). No delivery usage allowed; Signage and Racks OK!

Online Producer Mail – Save the environment! All suspense letters, cancellation notices and commission statements are available online at www.FreedomProducer.com

Common Law Marriage – Acceptable

Payment Plans –  Semi-Annual 4-pay and 5-pay plans available (with EFT option). First bill due in 30 days on EFT, bank account or credit card.

Ways to Pay

1. Online by checking account or credit card
2. By Phone at 1-877-578-2500
3. By Mail

Deductibles – $500,  $1000

Deductible /Lienholder – $500 / $500

Policy & Billing Fees – Policy fee applies. Billing fee of $13 on traditional pay plans; $11 on EFT pay plans

Online Endorsements – All endorsements are processed online in REAL TIME! Easy and fast!

Driver Exclusion / Registered Owner – All registered owners must be included or excluded. Excluded registered owners are acceptable.

Fast 24 Hour Processing – Apps / Endorsements / Payments / Renewals / Rewrites are all processed within 24 hrs.

Good Driver Discount – Discount applies for all coverages. Applies with 36 months verifiable U.S. or Canada driving experience

International DL or Matricula Consular – Acceptable!

Lowered or Lifted Vehicles – Acceptable for liability coverage only

Out of State License – Acceptable, do not need to get an UT license

Renewal Discounts – Yes! We offer a Claims-Free Renewal Discount after 6-months

Salvaged Vehicles – Acceptable for liability coverage (surcharge applies)

SR22 (UT Drivers only) – Filed with UT DMV. Must have verifiable driving record and cannot be excluded from the policy.